Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$215,096Cash toward the purchase price.
Closing costs + prepaids$10,584Not just lender fees.
Before credits & paid funds$225,680The complete starting cash picture.
Estimated remaining funds due at closing
$225,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,096.11
Your down payment$215,096.11
Closing costs + prepaids$10,583.65
Total buyer cash needed$225,679.76
Remaining funds due$225,679.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,016.00
Initial HOA (3 months)$36.75
Prepaid interest, first (27 days)$55.90
Fees + prepaids$10,583.65
Your down payment is the seller’s equity. You take over the $9,904 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $225,679.76 is due at closing. Uses and sources reconcile at $235,583.65 each. Not a Closing Disclosure.